Privacy Policy

Last updated: February 8, 2026

At Debt Payoff Spreadsheet ("we," "us," or "our"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website and debt payoff calculator.

For non-essential cookies and similar technologies, we rely on your choices in our Google Privacy & Messaging consent flow (Google CMP), where required by law. Using our website means you acknowledge this Privacy Policy, but it does not replace consent where consent is legally required.

1. Your Financial Data is Private

We do not collect, store, or transmit the financial data you enter in the debt payoff calculator. Our debt payoff calculator is a client-side tool that runs entirely in your web browser. All calculations are performed locally on your device, and any debt information you enter is saved only to your browser's localStorage on your own device.

Your debt balances, interest rates, payment amounts, and other financial information never leave your device and are never sent to our servers or any third party. You can clear this data at any time by clearing your browser's local storage or using your browser's privacy settings.

If you choose to include financial details in a contact form message or in other direct communications, that information is processed as part of your submission.

Important Disclaimer: The information and tools provided on this website are for informational and educational purposes only and do not constitute financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions.

2. Information We Collect

2.1 Automatically Collected Information

When you visit our website, we automatically collect certain information through cookies and similar technologies for analytics and advertising purposes:

2.2 Information You Provide

We only collect personal information that you voluntarily provide:

3. Consent Management and Google CMP

We use Google Consent Management Platform (CMP) to manage your privacy preferences and cookie consent in compliance with GDPR, ePrivacy Directive, and US state privacy laws. The Google CMP loads before any other tracking scripts to ensure your privacy choices are respected.

Depending on your region, you will see different consent options:

You can change your consent preferences at any time through the Google CMP consent flow, by clicking the "Cookie Settings" link in the footer of our website (which reopens a Google privacy message when available), through Google Ads Settings, or by clearing your browser cookies.

4. How We Use Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience, analyze site usage, and display relevant advertisements. Your consent preferences are managed through Google CMP as described above.

4.1 Essential Cookies (Always Active)

Required for the website to function properly. These cannot be disabled:

4.2 Analytics Cookies

We use Google Analytics to understand how visitors use our site and improve our content and user experience:

We do not intentionally send personally identifying information to Google Analytics. In Google Analytics 4, Google states that individual IP addresses are not logged or stored. For more information, see Google's Privacy Policy and Google Analytics Opt-out Browser Add-on .

4.3 Advertising Cookies

We use Google AdSense to display advertisements on our website. This helps us keep our tools and content free for all users. Google AdSense may use cookies and similar technologies to:

Your Advertising Choices:

Please note that opting out of personalized ads does not mean you will see fewer ads; it means the ads you see will be less relevant to your interests.

5. Third-Party Services

We use the following third-party services, each with their own privacy policies. We encourage you to review their policies to understand how they handle your data:

6. Affiliate Links and Advertising Disclosure

This website may contain affiliate links to third-party products and services. If you click on an affiliate link and make a purchase or sign up for a service, we may receive a commission at no additional cost to you. These commissions help us maintain and improve our free tools and content.

We only recommend products and services that we believe may be helpful to our users. However, we are not responsible for the content, privacy practices, or terms of service of any third-party websites or services. Our affiliate relationships do not influence our editorial content or recommendations.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal data under applicable privacy laws:

7.1 European Union (GDPR)

If you are in the European Economic Area (EEA), United Kingdom, or Switzerland, you have the following rights under the General Data Protection Regulation (GDPR):

Our legal basis for processing your personal data includes: (1) your consent (for non-essential cookies and personalized advertising where required), (2) legitimate interests (for site security, fraud prevention, and service operations), and (3) legal obligations.

7.2 United States Privacy Rights

Depending on your state of residence, you may have additional privacy rights:

California (CCPA/CPRA):

Other US States: If you reside in Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), or other states with comprehensive privacy laws, you may have similar rights to access, delete, correct, and opt-out of certain data processing.

7.3 Exercising Your Rights

To exercise any of these rights, please contact us through our contact page. We will respond to your request within 30 days (or as required by applicable law). We may need to verify your identity before processing your request.

You can also manage your cookie and tracking preferences at any time through Google Privacy & Messaging/CMP controls, the "Cookie Settings" link, Google Ads Settings, or by clearing your browser cookies.

8. Data Retention

We retain your personal information only as long as necessary for the purposes described in this policy:

9. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any passwords or account credentials.

10. Children's Privacy

Our website is not intended for children under 13 years of age (or 16 in the EEA). We do not knowingly collect personal information from children under these ages. If you are a parent or guardian and believe we have collected information from a child under the applicable age, please contact us immediately, and we will take steps to delete such information from our systems.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, where data protection laws may differ from those in your country. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws, including:

Where consent is required for certain processing activities, international transfers rely on your consent choices. In other cases, transfers occur as necessary to provide services, protect the site, and comply with legal obligations.

12. Do Not Track Signals

Some browsers support a "Do Not Track" (DNT) feature. Our website does not currently respond to legacy DNT headers as a standalone mechanism.

For users in US states with opt-out rights, we rely on Google Privacy & Messaging controls for applicable "Do Not Sell or Share"/targeted advertising opt-out flows. You can also use the "Cookie Settings" link on our site and Google Ads Settings to manage ad personalization choices.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top.

For significant changes, we may provide additional notice (such as a prominent notice on our homepage or via email if we have your email address). We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Your continued use of our website after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

14. Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or have privacy concerns, please contact us through our contact page.

We will respond to your inquiry as soon as reasonably possible, and within the timeframes required by applicable law.